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Ecology of Money

9 Ways to Save More and Spend Less in 2016

Fully funding some accounts, cutting fees, and conducting a spending audit are just a few ways to save a buck next year, says contributor John Wasik.

When it came to saving money, my wife always thought I was borderline obsessive. I built up several savings funds in stocks, cash, and bonds. When a health and job crisis gobsmacked us a few years ago (at the same time), my wife's observations turned into praise.

There's an art to saving. Many will focus on filling "buckets" for retirement, college, short-term spending and emergencies. That's a convenient way to look at it. Or, if you're near or in retirement, you may just focus on spending less by saving more on daily living expenses.